EXCEPT AS SPECIFICALLY DESCRIBED, THE FOLLOWING DISCLOSURES APPLY TO ALL OF THE ACCOUNTS.l. RATE INFORMATION:The Dividend Rate and Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate and Annual Percentage yield may change monthly as determined by the Credit Unions Board of Directors.2. NATURE OF DIVIDENDS:Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and APY are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.3. COMPOUNDING AND CREDITING:Dividends will be compounded and credited as set forth above. The Dividend Period for each account is set forth above. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.4. ACCRUAL OF DIVIDENDS:Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits(e.g.checks)on the business day you make the deposit to your account. If any account is closed before the end of a dividend period, any dividend for that period will not be paid.5. BALANCE INFORMATION:The minimum balance required to open each account is set forth above. For accounts using a Daily Balance Method, dividends are calculated by applying a daily periodic rate to the principal in the account each day.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT"As required by the USA Patriot Act of 2001, which requires Mon Valley Community FCU to help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Mon Valley Community FCU appreciates your patience and understanding as we all do our part in complying with the new account identification procedures required by the Federal USA Patriot Act of 2001"